 moving IRA dollars into a pension that pays both the husband and the wife. So she knows when he passes away, she continues to get paid. And why did I say when he passes away? Hey, nobody's getting out of here alive, but we know the statistics. Who's going first, Dave? The man. There you go. So why not plan for it? And not plan for, well, you'll be fine if the markets go up. You'll be fine if there's not a Black Monday event in your future, a 2008, a this, a that, or the other.